Rating based on 35 reviews

NZCU Auckland


  • Low-interest starting from 9.95%
  • Credit union loans up to $30,000
  • Repayment up to 36 months

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NZCU Auckland homepage

Author NZCU Auckland. Screenshot of NZCU Auckland website. [Accessed May 23, 2018]

About NZCU Auckland

NZCU Auckland is a credit union that serves customer residing or working in the Auckland area with a vast array of financial and insurance services.

Unlike banks and other lenders, we don’t operate for profits and are here for our customers who are also our investors.

More than just a financial services provider

We’re owned and operated by our members who are also our customers and any profits derived from providing our services is reinvested into helping other members and improving our products and services to our members. We offer everything from everyday accounts and banking services to investment accounts and debt consolidation loans.

What NZCU Auckland can offer you

At NZCU Auckland we offer a wide range of products and services.

Including everyday transactional bank accounts, savings accounts with better than average returns, debt consolidation and personal loans a range of flexible and affordable insurance products and investment accounts – and all this at the best rates in New Zealand.

Consolidating debt with NZCU Auckland

Many members come to us with a range of unsecured debts that are expensive and sometimes out of control. As a credit union we offer personal loans with rates as low as 12% per annum which means members can almost be guaranteed to save money when they consolidate with a NZCU Auckland loan.

NZCU Auckland Product Details

  • Loan Type Credit union loans
  • Interest Rate from 9.95%
  • Loan Amount up to $30,000
  • Repayment 6 months to 36 months
  • Monthly Service $200

At NZCU Auckland we offer a wide range of products and services

In order to take advantage of our fantastic rates, flexible terms and absolutely transparent services you must be a member of NZCU Auckland.

To become a member you must live or work in the Auckland area and you must make a loan application with us online or in our offices.

Filling in our contact form

We have three branches:

  • Auckland Airport Branch
  • Manukau Branch
  • Tip Top Branch

You can make your way to one of the above branches to apply for membership or you can visit our website and fill in our short contact from. The form will request your basic details, contact information and address. Once we’ve received this we will be in contact with you to complete your membership application and welcome you to the NZCU Auckland family where you can acces low rate home loans, car loans and so much more.

We work hand in hand with you

We want to provide our customers with products that are best suited to their individual needs and lifestyle. It is for this reason that we have a team made up of skilled experts who will work closely with you to make sure that we can offer you a product that will allow you achieve your objective, whatever that may be. So get in touch today because we are definitely the right people to talk to.

Our loan terms and rates are extremely accommodating

With loans starting from $1,000, you can repay your personal loan over a very flexible time period, ranging from a minimum of 3 months to a maximum of 5 years. When it comes to our interest rates, you can enjoy rates that are as low as 9.95% per annum! Our maximum loan rate is 19.00% per annum. The rate that you get will be dependent on a variety of factors which include your security as well as your individual circumstances.

An easy online loan application

Save your time and money by applying for your loan online. Not only is it convenient, but its also super easy and straightforward.

Flexible repayment schedules

Choose to make your loan repayments once every week, every fortnight, or every month. What's more, if you want to make extra payments, we won't penalize you for it.

Customer Reviews & Testimonials

January 2019

Applying online was so simple and time-effective. I didn't have to deal with the usual hassles when applying for a loan

Alex M
— Waiheke Island —

February 2019

What I love most about NZCU Auckland is that they actually consider your needs and work around them.

Paige W
— Manukau —

NZCU Auckland Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 12564, Penrose Auckland, 1642, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday – Closed
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed